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HSBC Home Value Loan 3.99% (4.01% CR) Owner Occupier Only


HSBC home value loan
Rate of 3.99% no offset

Note that HSBC has increased their rates, so this is a pretty good rate.

There's also the Premier home loan at 4.05% (with offset) but as someone pointed out in my previous post, the $35 pm isn't really worthed unless u can get it waived (global premier or work for certain companies).

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  • When we click on "Compare Home Loans" (https://www.hsbc.com.au/1/2/personal/home-loans/interest-rat...) we can see that Home Value Loan has a 4.99% (5.05% CR) p.a. comparison rate. But right now there's the promotion for 3.99% (4.01% CR), which 1% less. How does that work? Will they simply keep every loan 1% below whatever rate they announce?

  • work for certain companies ????

    • What are companies for fees waiver ??

    • Home Loan Offers for Corporate Partner Employees.

      • Benefit from no monthly Premier service fees (saving $420 p.a.).
      • HSBC Easy Switch2 gives you simple, accelerated and hassle-free refinancing because we do all the work for you.
      • No up-front fees - $0 Establishment Fee (a saving of $300), $0 Settlement and $0 Valuation Fee (up to $215). Other fees and changes may apply.
  • Broker here.

    Note that BOQ is also offering 3.99% (comparison 4.03%) with offset if you borrow more than 500k and LVR <80% for Owner Occupied. Just thought I'll mention :)


    Hi all, do PM me if you would like to find out more on the Home Loan Campaign

  • Hi guys - this seems like a good deal.

    Who would you recommend for the refinancing of $275k from St George where I am currently getting 4.79% variable? LVR is healthy (property value would be $600k+) and it would be owner occupier. Bells and whistles such as offset and low ongoing fees are of interest, but I'll probably leave my bank account and debit/credit cards with St George, so the rate and an easy refinancing process are of most interest.

    My initial research suggest that Suncorp and BoQ are quite popular, and I like the idea of an established 'bank' as opposed to credit unions or online only lenders.

    All suggestions welcome. Thanks!

  • I recently have contacted loans.com.au and they are offering 4.08% with offset account. Anyone has experience with them? Read from whirlpool that they are not that great, mixed reviews.. I am currently with NAB at 4.43%.

  • Vee BANKWEST has 4.08% offset also and its part of Commonwealth bank I believe.